Real GeniusReviews of realgenius.com

I can't get a refinance after not missing any payments and having a good credit. I'm missing out of the historical low rate cos you guys want to keep getting my money. Reason for the low rating! I'll be finding a new backer for my refinance needs.

Matthew Brodtman was awesome. I would give him 5 out of 5 stars. I've used your company for financing three mortgages. I have to tell you the last time was the worst ever. After Matthew helped it went down hill. The loan documents had to be redone which reset the time period before I could close. I asked several times to review the documents that were going to be recorded at the county. Finally the day of recording, while they were recording, they sent me the pdf of the document (Real Estate Excise Affidavit). Of course, it had my name misspelled and it included my phone (which I repeatedly told everybody not to include my phone number on the document...because it is a recorded document) so they had to pull it from recording, correct it and redo it. After the loan funded nothing was paid off (i.e. prior mortgage, property taxes, etc). About a week later I called to find out why it's taking so long for my prior mortgage to be paid off. The monthly payment was due and I didn't want to get reported as being late. Also, property taxes were due and I didn't want to get charged penalty and interest. Then the escrow company blamed the County which was a lie. I know because I work at the County and I worked in title insurance business for about 14 years. I know how the system works. After that they finally paid off my old mortgage and property taxes. Wait there is more. Your company sold my loan. I made a payment on July 19th for August first payment. July 21st I received notification that you sold my loan. Well, you didn't provide that information to the new company.....I ended up making an extra payment for August because they sent me to collection department. They said I owed for August. I've been battling your company and the new company for four months now to get this corrected. So, I made an extra mortgage payment and your company didn't send all of my escrow balance to the new company. You won't provide proof that is was sent. I asked several time if you can contact the new company to get this resolved. Of course, you won't do it! I filed a complaint with the Federal Government. This is ridiculous! Shame on you!!!! You sold my loan, you should help me get this corrected and make sure the new company has the correct information. Both companies are telling me two different stories. All I know is that I ended up making an extra monthly payment and now my escrow is short money.

I would not recommend using Consumer Direct Mortgage.My wife and I was just refinancing our mortgage trying to get a better rate. It started off great until the underwriting and document gathering process. They pulled information on my wife’s sister that had nothing to do with me or her. She wasn’t on the loans and we didn’t have any financial ties to sister. But for whatever reason they said we did. And would not tell us where they got that information from just incase there was some false information on our credit report. Which there wasn’t but they still would not tell us where they were getting that false information from. Plus, they said we were living at a location that we never lived at. I had to prove to them that I wasn’t the person they said that we were. There were a bunch of other things that happened that’s not worth ever using them again. It was an absolute horrible experience for anyone to have to go through.

Awful communication. Duplicate requests for information. Always blaming "underwriting" for delays and poor information flow. Unresponsive to direct inquiries, overreliance on email. Portal dufficult to negotiate, and had to reupload several times. Asking for explanations that were unnecessary and not germane, and time consuming.(Underwriting is asking for it!) Not timely in communication. No clear way to login from your webpage - or pages -to statements after closing. Took 3 phone calls and 2 emails to learn the secret code. This was an exasperating and frustrating experience wherein few people took ownership of challenges and problems and there was an abundance of defending "the process". It could have been great, but wasn't.

Loan officer did not accessed the tax correctly Due to which I end up paying high extra escrow amount

I was clear when applying for the mortgage that I wanted to set up the automatic draft on the 15th of the month like my other Chase mortgage. Something US Bank did not do in automatic. I had to pay US Bank using Wells Fargo bill pay with 2 day electronic payment. I was told no problem that I would be about to setup autopay. With their bank for the 15th of each mth. Once I paid all the fees and closed on the mortgage I found their website would not allow autopay as promised. I could not even do Wells fargo bill pay as they are not setup for electronic payments and wells had to mail an actual paper check 7 days +/- to get to get payment to them. That was worse than my old bank. The only thing I could do was log in the 15th of the month and manually make payment ... can't even schedule payment in advance on their website.... forced to log in that specific day of the month. I refinanced that mortgage a second time last yr to drop them and go with Chase. HUGE HUGE waste of money but I would not put up with that crap!!